Buildings and Contents Insurance

Fixed for 2 years*

The smart way to buy Buildings and Contents Insurance is together in one single, combined policy, rather than as separate cover; insurers offer the best value deals to those that do and it also keeps things nice and simple if you need advice or have to make a claim.
At Policy Expert we work with the best quality providers to ensure all policies come with a good minimum level of cover as standard. Additionally, our broker status and flexible approach to optional extras means we can offer the guidance and flexibility needed so that your home and possessions are protected from damage, theft and loss in the right way, at the right price.
Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Premier

Buildings Insurance - Standard Cover in our policies:

  • Properties of most shapes, sizes and construction types covered, up to a rebuild value of £1 million.
  • Garages, sheds and outbuildings covered as standard.
  • Accidental Damage Cover for damage to mains services, fixed bathroom fittings and fixed glass only.
  • Alternative Accommodation for your family if your home becomes uninhabitable.
  • Trace & Access – Our insurers don't just fix the damage, they can also help to diagnose the root of the problem.
  • Property owner's liability insurance.

Optional Extras:

  • Extend your Accidental Damage Cover for full protection, whether it’s a foot through the bedroom ceiling or a nail driven into a pipe, you’re covered.
  • Add Legal Expenses Insurance to provide up to £50,000 of legal expenses towards protecting your home rights. Find out more.
  • Add Home Emergency Cover to give peace of mind when disaster strikes. Find out more.

Contents Insurance - Standard Cover in our policies:

  • Cover for typical household contents you keep in your home – choose your amount up to £100,000.
  • Alternative Accommodation if your home becomes uninhabitable (even if you don’t have Buildings Cover with us).
  • Accidental Damage Cover to protect from mishaps to mirrors, ceramic hobs and glass (such as oven doors and glass-topped tables). Some policies will cover damage to TVs, desktop PCs and games consoles as standard too.
  • Valuables and high-risk items cover provided as standard (total limits apply, ranging from £10,000 to £30,000 depending on insurer). No need to specify items worth less than £2,000 and you can cover individual items worth up to £15,000.

Optional Extras:


Here are a few commonly asked questions about Buildings and Contents Insurance

What sort of Home Insurance do I need?

Buildings Insurance covers the entire structure of your home, including roofs, walls, fences, hedges and gates. Most mortgage lenders require Buildings Insurance as part of the lending agreement.

If you do not own your property then you cannot insure it, however you may wish to purchase Contents Insurance which covers your belongings and valuables in your home.

If you need to purchase combined insurance then it is often better to buy them together in one single policy rather than as separate cover; insurers offer the best value deals to those that do and it also keeps things nice and simple if you need advice or have to make a claim.

Why choose Policy Expert?

  • We are rated the UK’s Number 1 Home Insurance provider!
  • We have a UK-based customer service and claims team
  • We provide online access to all of your policy documents
  • There are no hidden fees – what you see is what you get
  • All of our policies are written in Plain English, not insurance jargon
  • We can fix your price for two years

What you'll need to run a quote

  • Your address (type of property, roughly when it was built, number of rooms)
  • General information about your property such as the types of locks used
  • Who lives there, and when are people typically at home
  • How much would it cost to rebuild (we’ll suggest a figure based on your postcode)

Home Insurance Service Reviews

85%
average customer rating for our service
(from 3,314 reviews)
1 1/5 Complant
My sister in laws kitchen ceiling has fallen through (21 sept 2016). There is water coming through the ceiling (bathroom is above ). 8 phone calls later and you have done absolutely nothing to assist her. Could you please enlighten me as to what her buildings / contents / emergency cover is paying for? Thanks
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1 1/5 Avoid like the plague
Part of my kitchen ceiling came down so i phoned the emergency callout i had paid for they wouldnt send anyone. The next day i rang policy expert and tried to put a claim in only to be told that i had to get my own tradesperson to come and see what the cause was. My plumber said it was a leak over time from my shower and the bath was not a good design. So rang them back only to be told im not insured. Why am i paying house insurance theyhave not even been to see it and they dont intend to. They have taken my money and scarpered. My insurance is up for renewal in dec and i will never ever use these people again. Judging by the reviews left on here i think we all have a case to take to watchdog!!!! Update: put a complaint in and the lady sent me my policies i was covered for the emergency cover and the buildings cover should have covered the claim. Still no response back from policy expert.
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1 1/5 Its when you claim their true colours become clear
My garage was broken in to and I had a lot of power tools stolen , the garage was locked with a three point locking system up and over door. It appears the lock was forced with another key. When I tried to make a claim I was told because there was no "Forced and voilent" entry I couldn't claim on my insurance. Reading my policy document this isnt true ...it can be either forced OR voilent , it was an attempt to stop my claim. I've made a compalint on their email facility but have no aknowledgement they have recieved my complaint. Warning if a theif uses a lock picking tool to get in your house they will refuse to pay up ...this could cost you thousands. Its when you actually need your policy you can truely make comment on thier services. I've been treated like a fraudster by the very people who should protect me from such instances.
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2 2/5 avoid if you can
I have tried to contact Policy Expert regarding Home Emergency Insurance cover been on the phone for a while then decided to use their calling back system been waiting for hours still waiting,also failed to respond to my law firm regarding legal expenses cover for car accident.
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1 1/5 Shocking avoid at all costs.
We returned home from holiday and on opening the front door there was a strong smell of damp. I discovered the landing carpet was soaked and on the other side of the wall was tour bathroom. When walking into the bathroom water started splashing up from the grout between the tiles I turned the water off at the stop cock until a plumber friend was able to take a look. It was the shower that was leaking so the water to the shower was isolated which stopped the leak. We contacted the policy expert who sent someone out a week later by this point the floor had dried out but there was still evidence of the shower leaking as there were water marks on the titles and down the shower wall. We were told we had no claim as the leak was due to the sealant in the shower needing replaced. The sealant was fine when we went on holiday and there was no leak from the shower when we went on holiday. They practically accused us of lying. The surveyor did nothing more than take photos but because we had no receipt from my friend who isolated the water to the shower for me FREE they say we have no claim. I've looked at this company's list of directors and trading history and it makes interesting reading. Avoid at all costs they will take your money and if you are unfortunate enough to have to make a claim they will find an excuse not to pay you. The customer services staff on the phone are rude.
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1 1/5 Do not use this company for home insurance!!
Before I renewed in July 2016 I rang policy expert and told them we were having a single storey extension being built, they said that's fine and to let them know 30 days before the build starts which I did. When I sent the form from my builder giving them details of the extension they told me they were cancelling the policy in 14 days and they wont cover the extension! When I rang to make a complaint they said it was based on the cost of the extension and other factors. The extension is so small I don't need planning permission! So a word of warning, they even said they wouldn't cover some home improvements and even though they knew before I renewed about the extension, it wasn't their responsibility at the time of renewal to ask for details of the extension! I am going to the ABI with this one!! I would love to speak to you Vicky!! You have my contact details on file why not give me a ring?
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5 5/5 Great Service
Nik was excellent providing a competitive renewal quote; very polite and professional. Reading some of the negative reviews below I can honestly say I've never had my arm twisted to renew unlike some insurance companies I could mention. Many thanks guys
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1 1/5 Unable to opt out of automatic renewal
Terrible first experience of this company. I informed them by email that I DO NOT want my policy to automatically renew. I've read reviews here that Policy Expert take payment 1 week BEFORE renewal date. I didn't want to get caught in the same trap. I received an email reply stating that I cannot opt-out of automatic renewal unless I'm within 30 days of the policy lapsing. This is a complete con. It's my money, and I've informed them far enough in advance that I do not want automatic renewal. Why is this so hard for them to process? It'll only be a tick box exercise on their part. If your listening Policy Expert, what will you do to restore my faith in you before I contact the Financial Ombudsman Service? UPDATE: Can you confirm the auto-renewal has been opted out? I haven't received the email you promised following my review posted above. Thank you
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5 5/5 bargain
much cheaper than rivals

4 4/5 Everything went very well and staff very friendly.
The whole telephone call was handled very professionally.

Home Insurance Claims Reviews

96%
average customer rating for our claims
(from 25 reviews 1)
5 5/5 First Class!

I would like to thank you for your communication with me over this claim.
I think the attention you have paid to my claim has been first class.
Thank you again

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5 5/5 A personal thank you…

Just a short note to say a personal thank you for your prompt attention to my claim.
I am impressed by the willing attention to all matters leading to a prompt conclusion. Funds received today!

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5 5/5 The service was outstanding

The service was outstanding from reporting the issue to resolving it last night. Can’t thank you enough.

5 5/5 Wow!

Wow! I’m so impressed! I never imagined this would be so straight forward, thank you so much for brilliant service

4 4/5 Quick response

This has been a very traumatic time which has been made easier with your quick response and efficiency. I really can’t thank you enough

5 5/5 Swift help and concern

Thank you for your swift help and concern, I really appreciates it and have been with this insurance for a few years and I’m pleased with everything that’s been dealt with

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4 4/5 We can not thank you enough

We can not thank you enough for all your assistance and help

5 5/5 Policy Expert will always look after us

We want to thank Roy and all others at Trinity Claims Team who may be involved for the excellent service which we have received throughout the process of our claim.

There has been common sense, politeness, good will and fairness all the way.
And it has been carried out with speed too. Many many thanks.

Our house is now back to normal and we feel confident that Policy Expert will always look after us.

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5 5/5 First ever claim

I’d also like to take this chance to say how overwhelmed I am with the speed with which you have dealt with my claim and the extraordinary level of customer service offered to me. This is the first time I’ve had to claim on my insurance and I’d like to say a special thank you to yourself, Toby and Alexia for making this process so much easier than I thought it would be.

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4 4/5 Friendly and efficient

Just wanted to say thank you for your friendly and efficient handling our call this morning following our fire.
It was a frightening experience for us but you certainly helped.
Once again, thank you

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more reviews

Home Insurance Guides

Types of Home Insurance cover

When you’re comparing quotes it’s important to understand the different types of home cover available, and the extras you might need to add.

House Insurance Optional Extras

When you’re buying insurance for a building and its contents, there are also usually optional ‘extras’ on offer which you can add on.

Flat Insurance

Whether you own or rent the flat you live in, shopping around for flat insurance can be more complicated than with cover for a house.

Bungalow Insurance

Bungalows generally cheaper to insure due to the re-build costs usually being lower than for a ‘normal’ home.

Gadget Insurance

If your gadgets were stolen or broken, it could potentially have a devastating effect, so its important to make sure you’re properly covered.

Optional Extras:

Away From Home

Away From Home

Can protect gadgets like tablets, smartphones and digital cameras, as well as jewellery, watches and glasses.